Honestly, I don't about others but I love having money because it allows me to create my mode of happiness. There is no dignity in being poor or cashless it lowers one's confidence and diminishes your physical presence. Money might not solve all problems in life but it gives you an edge over them. Life in general becomes easier with some money in the bank.
Even though you think life in general becomes easier because you have some money in the bank, you don't need to keep more money in the bank because it will also make it difficult for you when you need more money in an instant. I understand what you are saying because basically living poor also cannot buy anything including what we need in life so having money and being rich is the best choice to be happier without creating more problems. And even if there are still problems, the chances of us solving them are also relatively easy if we still have money as a tool that we can rely on for a while.